Interest Rates & Charges

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Savings

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
GROSS AER GROSS AER
Credit balance £1+ 0.50% 0.50% 0.50% 0.50%
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
GROSS AER GROSS AER
Credit balance £1+ 0.05% 0.05% 0.05% 0.05%

All rates shown are variable. The interest rate on ISAVER will change to 0.25% gross/AER variable with effect from 8th December 2016.

We will pay your interest Gross, this means that we will not deduct tax automatically from your interest. Dependent on your personal circumstances tax may be due on the interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

CASH ISA* ANNUAL INTEREST MONTHLY INTEREST
Tax-free AER Tax-free AER
Credit balance £1+ 0.65% 0.65% 0.65% 0.65%

The interest rate will change to 0.40% tax-free/AER variable with effect from 8th December 2016.

*From 6th April ISA regulations will allow you to invest up to £15,240 and you will have the option to save in either a cash ISA, a stocks and shares ISA, an innovative finance ISA or a combination of all three as long as you don't pay in more than £15,240 in total during the tax year 2016/17.

You should consider your income tax position when deciding which products to have in your Intelligent Finance plan, whether you wish to be paid interest on your savings each month or once a year and which option you want us to use for the balanced netting calculation.

Fees & Charges

Item Charge
Express Payment (also known as CHAPS) - same day electronic funds transfer between banks. £25.00
Copy statements £5.00

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